Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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A Study on Reuse Intention of the Easy Payment Service

간편 결제서비스 재사용의도에 관한 연구

  • Kim, Jun-Woo (Dept. of Business Administration, Incheon National University) ;
  • Nam, Jung-Ki (Dept. of Business Administration, Incheon National University) ;
  • Jeon, Dong-Jin (Dept. of Business Administration, Incheon National University)
  • Received : 2018.03.22
  • Accepted : 2018.11.20
  • Published : 2018.11.28
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Abstract

The purpose of this study is to design the easy payment service research model and to find the influencing effect on the intention for the reuse of easy payment service by analysing the factors such as the social influence, the promotion condition, the security and the convenience as UTAUT model has. Also the research model employs the trust and the user satisfaction as parameters. The result shows that even though people feel the trust due to the convenience by the social influence, it has a negative influence on the user satisfaction if the risk recognized in the easy payment service and the weakness in the security are anticipated. The results of this study are academically meaningful as they established the research model for the easy payment service and the theoretical basis of the easy payment service area; they have provided the various practical implications.

본 연구는 신기술을 활용한 간편 결제서비스를 통합기술수용모델(UTAUT)의 변수인 사회적영향, 촉진조건, 그리고 간편 결제서비스 특성변수인 보안과 편리성 변수를 기반으로 신뢰와 사용자 만족을 매개변수로 하여 연구모델을 설계하고 간편 결제서비스의 재사용의도에 미치는 요인을 규명하는데 그 목적이 있다. 실증분석 결과 보안이 사용자 만족에 긍정적인 영향을 미칠 것이다의 가설과 신뢰는 사용자 만족에 긍정적인 영향을 미칠 것이다의 가설은 기각 되었다. 이 같은 결과는 사회적영향과 편리성으로 인해 신뢰감을 느낀다고 해서 간편 결제서비스라는 금융서비스에서 인지된 위험의 노출과 보안의 취약성이 예상된다면 사용자 만족에 부정적일 수밖에 없다는 것이다. 본 연구결과는 간편결제서비스 활성화 및 간편결제서비스 분야의 이론적 토대를 정립하였다는 점에서 학술적으로 의의가 있으며, 아울러 다양한 실무적인 시사점을 제공하였다.

Keywords

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Fig. 1. Research Model

Table 1. Easy Payment Service(EPS) Use Intention Research

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Table 2. Reliability Analysis

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Table 3. Validity Analysis

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Table 4. The Result of Path Analysis

DJTJBT_2018_v16n11_303_t0004.png 이미지

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